Comparison

ChatUWM vs HomePal

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ChatUWM

This app empowers independent mortgage brokers to manage their business remotely. It provides tools to view loan pipelines, lock loans, check rates, and submit conditions. Brokers can also access UWM's EASE platform, utilize chat support, and manage client requests.

Highlights
  • Loan pipeline management
  • Loan locking and submission
  • Rate checking
  • Scenario creation
  • Chat support
  • Document access
  • Home value estimation
Features
Read full description

ChatUWM By United Wholesale Mortgage, LLC Created exclusively to help independent mortgage brokers manage their business on the go. Get quick access to ChatUWM, UWM’s AI-powered tool featured front and center in the ChatUWM mobile app. From one convenient app, brokers can ask questions, manage their pipeline, price loans, take lock actions, estimate home values, view their EASE Dashboard, stay on top of daily tasks and much more.

About

HomePal

Easily calculate mortgage payments with a suite of precise calculators. Navigate the home buying process with educational content and connect directly with your loan officer for professional advice and document management.

Highlights
  • 13 precise mortgage calculators
  • Home affordability estimation
  • Refinance decision support
  • Step-by-step home buying guide
  • Loan program identification
  • Secure document upload
  • Direct loan officer messaging
Features
Read full description

Need an easier, more accurate way to calculate your monthly mortgage payments? Need help navigating through the mortgage process? Need to contact your loan officer efficiently? This app will do the work for you with a suite of robust mortgage calculators, educational and interactive mortgage content, and instant access to your loan officer. FHA, Conventional, VA, USDA and Jumbo calculations INCLUDING: Mortgage Insurance (MI), HOA, Hazard Insurance and Property Tax components! Explore the home buying process with the Step-By-Step Guide or determine which program is right for you. Receive professional advice and updates on the go with direct messaging and push notifications. App Features:· Calculate payments to the penny with 13 precise calculators· Estimate home affordability· Decide whether or not to refinance· Chart your home buying journey with step-by-step guide· Identify the right loan program · Track your progress with interactive checklist· Stay informed with mobile blogs· Scan and upload your loan documents securely· Connect instantly with your loan officer via messaging and push notifications calculations: - FHA Mortgage Payment Calculator (including FHA Upfront MIP) - Conventional Mortgage Payment Calculator (including PMI, HOA and Taxes) - VA Mortgage Payment Calculator (including VA Funding Fee) - USDA Mortgage Payment Calculator (including USDA Funding Fee)

Screenshots

ChatUWM4 screens
HomePal3 screens

Verdict

The call

The clearest difference is rating: HomePal at 5.0 against ChatUWM's 3.8. HomePal also leads on iOS requirement (13.0 vs 16.0). ChatUWM's advantage is ratings volume (182 vs 1) and update cadence (fortnightly vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

HomePal holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: ChatUWM has 182 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

ChatUWM ships an update fortnightly, HomePal monthly. The most recent releases landed on October 29, 2026 and October 11, 2026 respectively.

Scorecard4 real differences · 6 level
ChatUWM versus HomePal: the parameters behind the verdict, then further details
ParameterChatUWMHomePal
PriceFreeFree
Rating3.8 (182 ratings)5.0 (1 ratings) — better
Positive reviews41.4% of reviews—
Number of ratings182 — better1
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.013.0 — better
Further details — not scored
Size105 MB62 MB
Age rating4+17+
DeveloperUWMHomePal LLC

Customer experience

ChatUWM

All ratings182 ratings
Positive69.2%
Neutral3.8%
Negative26.9%
Written reviews58 reviews
Positive41.4%
Neutral3.4%
Negative55.2%

HomePal

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

ChatUWM

Reported bugs

15 issues
  • CR does not work
  • App doesn't find account
  • App keeps crashing
  • App always logs you out
  • App never saves logins
Show 10 more
  • Cannot login to the app
  • Incorrect password error
  • User ID and password not accepted
  • App pulls up wrong documents
  • Cannot log in after multiple updates
  • Login issues (incorrect username/password)
  • App not working on iOS
  • App not working on mobile devices
  • Mobile website is slow and choppy
  • Cannot access information without a computer

Requested features

11 requests
  • App for homeowners/customers
  • Customer-facing app for payments and loan activity
  • Ability to manage mortgage payments
  • Ability to schedule loan payments
  • User-friendly interface for consumers
Show 6 more
  • Update mobile website for user-friendliness
  • Integrate customer option into the app
  • Facial recognition login
  • Allow selection of payment withdrawal date
  • Change fees in the app
  • Fix document viewing errors

HomePal

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ChatUWM

No in-app purchases

None

HomePal

No in-app purchases

Questions

Is ChatUWM free?
ChatUWM is free to download, with no in-app purchases.
Is HomePal free?
HomePal is free to download, with no in-app purchases.
Which has better reviews, ChatUWM or HomePal?
HomePal is rated higher. ChatUWM averages 3.8 out of 5 from 182 ratings, while HomePal averages 5.0 from 1 ratings.
Do ChatUWM or HomePal have ads?
Neither ChatUWM nor HomePal shows ads.
Which is updated more often, ChatUWM or HomePal?
ChatUWM ships an update fortnightly, and HomePal monthly. Most recently, ChatUWM was updated on October 29, 2026 and HomePal on October 11, 2026.

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